OTC T+N 政策解釋

<div data-page-id="ByyMdzEtJoFcc6xPXwou9rsEsWh" data-lark-html-role="root" data-docx-has-block-data="true"><h2 class="heading-2 ace-line old-record-id-LNZndEsn8oyly0xaPrEuplXss7F"><strong>MEXC T+N 提現政策問答 </strong></h2><div class="ace-line ace-line old-record-id-IAumdVxYAoOdTrxs9qgu8FWWspg"><span style="font-size: 16px;"><br></span></div><h2 class="heading-2 ace-line old-record-id-Gjj9dMagUoTyC3x5y5QuPyMJskd"><strong>1. 什麼是 T+N 提現政策？</strong></h2><div class="ace-line ace-line old-record-id-XfwmdoRLlokOE6xR5Oyu9R1asYg"><span style="font-size: 16px;"><br></span></div><div style="text-align:left" class="ace-line ace-line old-record-id-DZMLdSa6loYTgsxtWpwulxBjsNb"><span style="font-size: 16px;">T+N 提現政策要求用戶透過 OTC（場外交易）購得的加密貨幣需等待 N 小時後方可提現或轉出。此政策旨在風控覈查期間凍結可疑資金，防範洗錢和詐騙。</span></div><div class="ace-line ace-line old-record-id-BdBBd3imEoxLqNxiYw6uuGWFsSh"><span style="font-size: 16px;"><br></span></div><div style="text-align:left" class="ace-line ace-line old-record-id-Qf9bdv9Gyo56cLxiWjZuFPr1sue"><span style="font-size: 16px;">T+N 是對透過法幣渠道（OTC）獲得的資產設置的流動限制政策，涵蓋： 限制操作：提現、站內轉帳、OTC 賣出、法幣出金、發紅包 N 天倒計時結束前，上述操作均被凍結（如 T+N=24/72 小時）</span></div><div class="ace-line ace-line old-record-id-Li67dWKCHo7MuEx4KGQu7dH8s6e"><span style="font-size: 16px;"><br></span></div><h2 class="heading-2 ace-line old-record-id-N2i1d1zhcoNnwXxxNjsuKPXBsib"><strong>2. 為什麼需要 T+N 提現等待時間？</strong></h2><div class="ace-line ace-line old-record-id-TpIqdV8zGoNx4qxzKA2uouUqsff"><span style="font-size: 16px;"><br></span></div><div style="text-align:left" class="ace-line ace-line old-record-id-L3mXdq17TozEe6xmLTyu3rivsxe"><span style="font-size: 16px;">風險緩衝：24/ 72 小時緩衝期可攔截不法資產提現，避免黑錢流入平台。</span></div><div style="text-align:left" class="ace-line ace-line old-record-id-ZRGedvzZGongWIxP0EUuLhgPs6e"><span style="font-size: 16px;">合規安全：配合反洗錢（AML）要求，降低用戶銀行卡凍結風險。</span></div><div style="text-align:left" class="ace-line ace-line old-record-id-UQeddjuwpotP3Qx9lIau57rFs0b"><span style="font-size: 16px;">動態監測：平台利用此時間分析交易模式，標記高風險行為（如大額可疑轉帳）。</span></div><div style="text-align:left" class="ace-line ace-line old-record-id-PvU6diy1aoVrqjxWrfgu0Grfs4c"><span style="font-size: 16px;"><br></span></div><h2 class="heading-2 ace-line old-record-id-IPUTd1bhdooobnxKp6QuLfVvsMd"><strong>3. T+N 提現政策適用於哪些國家？</strong></h2><div class="ace-line ace-line old-record-id-H5xwd68GaoLEqoxeP1quWCnfsyg"><span style="font-size: 16px;"><br></span></div><div style="text-align:left" class="ace-line ace-line old-record-id-TYcfd0m60otWaBxXCuEux6VRsee"><span style="font-size: 16px;">白俄羅斯、比利時、巴西、哥倫比亞、捷克共和國、丹麥、愛沙尼亞、法國、德國、匈牙利、冰島、印度、愛爾蘭、義大利、哈薩克、拉脫維亞、荷蘭、奈及利亞、挪威、波蘭、羅馬尼亞、俄羅斯、沙烏地阿拉伯、斯洛伐克、西班牙、瑞士、泰國、土耳其、烏克蘭、阿拉伯聯合大公國、英國、烏茲別克</span></div><div style="text-align:left" class="ace-line ace-line old-record-id-IwMndAhgGoK0Oqx0O4ausfSXsMd"><span style="font-size: 16px;"><br></span></div><h2 class="heading-2 ace-line old-record-id-LV30dLmN6oiLIGxEYgMuttq9sqb"><strong>4. 哪些交易會受到 T+N 政策影響？</strong></h2><div class="ace-line ace-line old-record-id-WJL1dH1ylotytBxTpbbuNcIwsPd"><span style="font-size: 16px;"><br></span></div><div style="text-align:left" class="ace-line ace-line old-record-id-J9k0dT1zRoDuyTxBBhxuNmH9sG2"><span style="font-size: 16px;">僅限 OTC 購買的加密貨幣，包括：</span></div><div><table class="ace-table" data-ace-table-col-widths="100;100;320" style="border:none;border-collapse:collapse;table-layout:fixed;width:500px;"><colgroup><col width="100"><col width="100"><col width="320"></colgroup><tbody><tr style="height:39px;"><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-L2ORdD4UToZGbxx6qZoubQzfseg"><span style="font-size: 16px;">場景</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-YDcvdrl9aowG75xZM38uroWBsme"><span style="font-size: 16px;">是否受限</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-MbGbd3HvSoUuv1xIU7ruw082sKr"><span style="font-size: 16px;">說明</span></div></td></tr><tr style="height:39px;"><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-CoN9dQCAsoUN4lxkZ3Cu6vaSsBc"><span style="font-size: 16px;">OTC 賣出</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-Xx1CdzHjQoEv86xw3b7uYVy4sje"><span style="font-size: 16px;">✅</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-VKMld4I1CoEMVYxdB7Lugik2sUg"><span style="font-size: 16px;">T+N 期間禁止賣出法幣資產</span></div></td></tr><tr style="height:39px;"><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-SSSqdQLEmoriR9xtkAtucp0csdc"><span style="font-size: 16px;">法幣渠道出金</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-SIFBdCw4moHyZsxWvaWuArsZsdb"><span style="font-size: 16px;">✅</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-WjG8dwHgToeJRTxww2VumVVpsHb"><span style="font-size: 16px;">禁止轉換為法幣並提現至銀行</span></div></td></tr><tr style="height:39px;"><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-BkkLdfGfnoKazvxOE46uPukWsqc"><span style="font-size: 16px;">提現</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-EarNdzkYNoWxISxrlY7uCOaZsSc"><span style="font-size: 16px;">✅</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-XljId1NZHoUILLxtBmtuyOZysWC"><span style="font-size: 16px;">禁止鏈上轉出資產</span></div></td></tr><tr style="height:39px;"><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-JrZZdNRueom1gjxH3PNu3N3BsXb"><span style="font-size: 16px;">轉帳</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-CyjAdN6jXouF1tx4bZIuDF9IsKQ"><span style="font-size: 16px;">✅</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-C1jYdQsrTod3hHxkWDmu4985sOh"><span style="font-size: 16px;">禁止站內轉移給其他用戶</span></div></td></tr><tr style="height:39px;"><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-RHmMdfkh5o03OcxkhCxuFgskstn"><span style="font-size: 16px;">發紅包</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-JTEqdb73RoItqlxtnnCufrZtsUd"><span style="font-size: 16px;">✅</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-SbLNdjXBRoLcpDxeM0LuzkVosI5"><span style="font-size: 16px;">禁止透過紅包發送 OTC 資產</span></div></td></tr><tr style="height:39px;"><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-J78OdYiVYowvVjxqTnpuHtJvscf"><span style="font-size: 16px;">現貨交易</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-KNUAdVaZso9RWuxf8ZZuKXKvsfd"><span style="font-size: 16px;">❌</span></div></td><td colspan="1" rowspan="1" style="border: 1px solid rgb(222, 224, 227); padding: 8px; vertical-align: middle; font-size: 10pt;"><div style="text-align:center" class="ace-line ace-line old-record-id-OCWUdVZ7GoHtUKxcB11u5wVIsVh"><span style="font-size: 16px;">可自由交易，但盈利部分提現不受限</span></div></td></tr></tbody></table></div><div style="text-align:left" class="ace-line ace-line old-record-id-ZOP8dXoFcoNqUGxREtWujW0Gshb"><span style="font-size: 16px;">不影響行為：現貨交易獲利提現、充值加密貨幣的直接提現。</span></div><div class="ace-line ace-line old-record-id-UpzGdqGmBoriw8xYGFyu07NSsQc"><span style="font-size: 16px;"><br></span></div><h2 class="heading-2 ace-line old-record-id-WzSGdcAJdo3UY1xrukYu9X2as1e"><strong>5. 提現時間是固定的 24~72 小時嗎？ </strong></h2><div class="ace-line ace-line old-record-id-WqqldWKW0oBPQXx9pTQufGF8shf"><span style="font-size: 16px;"><br></span></div><div style="text-align:left" class="ace-line ace-line old-record-id-JCZEdZ5KAoo3q2xtnIyujlvCsxe"><span style="font-size: 16px;">否，時間非固定。</span></div><ul start="1" class="list-bullet1"><li style="text-align:left" class="ace-line ace-line old-record-id-ICoddBWedopPhtxU75fuGXvrsdg" data-list="bullet"><div><span style="font-size: 16px;">基礎限制：MEXC 默認採用 T+N（24小時）。</span></div></li><li style="text-align:left" class="ace-line ace-line old-record-id-Sgn3dPt2LoXIgaxfyaqu9gFQsNL" data-list="bullet"><div><span style="font-size: 16px;">動態調整：根據風控等級延長（如高風險操作觸發 T+2 或更長）。</span></div></li></ul><div style="text-align:left" class="ace-line ace-line old-record-id-XfeBdf5dtohhHaxrCTWuJjpDsWd"><span style="font-size: 16px;"><br></span></div><h2 class="heading-2 ace-line old-record-id-GwYPd1xUDolkQYx3kdhuhFT0sse"><strong>6. 如何查詢提現狀態？</strong></h2><div class="ace-line ace-line old-record-id-HoYrdLFZJorf22xQZD5uP13tsvz"><span style="font-size: 16px;"><br></span></div><div style="text-align:left" class="ace-line ace-line old-record-id-Z2G4dc3fIo1Rp8xVDd1uTGlKsic"><span style="font-size: 16px;">登錄 MEXC 帳戶 → 【資金記錄】 → 【提幣記錄】。查看記錄狀態：</span></div><ul start="1" class="list-bullet1"><li style="text-align:left" class="ace-line ace-line old-record-id-QvdmdcYrroh0WhxBiqDuj2cJsKc" data-list="bullet"><div><span style="font-size: 16px;">處理中：等待 T+N 倒計時或區塊鏈確認。</span></div></li><li style="text-align:left" class="ace-line ace-line old-record-id-EPoUddEn5oL9dAxKh27uDf9HsJf" data-list="bullet"><div><span style="font-size: 16px;">已到帳：成功打入目標帳戶。</span></div></li></ul><div style="text-align:left" class="ace-line ace-line old-record-id-EpAvdKbaDoFTbBxDhvgu5mzdsyb"><span style="font-size: 16px;"><br></span></div><h2 class="heading-2 ace-line old-record-id-SgkMdlSE0oBB7Wxh01xu1RlHsJb"><strong>7. 政策是否適用於所有用戶？</strong></h2><div class="ace-line ace-line old-record-id-KjaNdSI72oR5SbxfHUAuHxhBsMf"><span style="font-size: 16px;"><br></span></div><div style="text-align:left" class="ace-line ace-line old-record-id-LGZhdT6VaonWcyx1mequyJw4ssN"><span style="font-size: 16px;">否，僅觸發風控的用戶受影響：</span></div><ul start="1" class="list-bullet1"><li style="text-align:left" class="ace-line ace-line old-record-id-Vwvgd623yoS9ADxYM8GuH91dsvB" data-list="bullet"><div><span style="font-size: 16px;">高風險行為：如頻繁大額 OTC 買入後立即提現。</span></div></li><li style="text-align:left" class="ace-line ace-line old-record-id-G4izdOkWhoIVGtxezjJuRRyosJh" data-list="bullet"><div><span style="font-size: 16px;">非受限用戶：正常交易或未觸發風控的用戶可即時提現。</span></div></li></ul><div class="ace-line ace-line old-record-id-YJZHdfRVFoDGH8xJ24fuj7vgsPT"><span style="font-size: 16px;"><br></span></div><h2 class="heading-2 ace-line old-record-id-P0cNdNtysoK4xjxB0SCuw0x0ssh"><strong>8. 政策是否會更改或擴展到其他國家？</strong></h2><div class="ace-line ace-line old-record-id-ZUdZdoQlyoNRnZxW2pauogUxsHc"><span style="font-size: 16px;"><br></span></div><div style="text-align:left" class="ace-line ace-line old-record-id-FfF6dOX6Ko7YMnxuv2puZQXSsee"><span style="font-size: 16px;">可能調整：</span></div><ul start="1" class="list-bullet1"><li style="text-align:left" class="ace-line ace-line old-record-id-JdP6dHhrqogPO0xERC7ulxSCsOc" data-list="bullet"><div><span style="font-size: 16px;">MEXC 保留根據風控需求擴展政策（如延長 T+N 時長、新增國家）的權利。</span></div></li><li style="text-align:left" class="ace-line ace-line old-record-id-ZWLYdWnNdoe4c0xdfKdukELwsYt" data-list="bullet"><div><span style="font-size: 16px;">若詐騙模式升級，政策可能收緊。</span></div></li></ul><div class="ace-line ace-line old-record-id-AM4tdqmAkoehEZxOE2du53bjsrf"><span style="font-size: 16px;"><br></span></div><h2 class="heading-2 ace-line old-record-id-Y8SWd0DPhoQJgtxTE9tuX5KVstg"><strong>9. 提現超過 72 小時未到帳怎麼辦？</strong></h2><div class="ace-line ace-line old-record-id-AXj5dmbjgoG2SzxmH1ZudO1GsZe"><span style="font-size: 16px;"><br></span></div><div style="text-align:left" class="ace-line ace-line old-record-id-Ka0YdVwfeohZFVxBpHcu1K6csve"><span style="font-size: 16px;">分步處理：</span></div><ul start="1" class="list-bullet1"><li style="text-align:left" class="ace-line ace-line old-record-id-V6uLd3154oT6TMxeE0Cu7peWsBI" data-list="bullet"><div><span style="font-size: 16px;">檢查狀態：在 「提現歷史」 確認是否已完成提現轉帳。</span></div></li><li style="text-align:left" class="ace-line ace-line old-record-id-W3ngdWjw1oQSw0xT0TwuoojSsXg" data-list="bullet"><div><span style="font-size: 16px;">聯絡客服：若客服確認完成仍未到帳，提供 TxID 並申訴。</span></div></li></ul></div>